Insurance

A complaint can be made to the Consumer Disputes Board concerning home, car, accident or other insurance policies purchased by a consumer. Complaints concerning compulsory insurance such as traffic liability insurance and mandatory accident and pension insurance cannot be made to the Consumer Disputes Board.

Compensation decisions regarding the above mentioned provide instructions on how to file an appeal. They also indicate the deadline for filing an appeal.

The Consumer Disputes Board does not handle liability insurance unless it concerns a consumer matter.

An insurance policy must be clearly in the name of a consumer or damage must have been caused in a contractual relation between a consumer and a business. For example, a consumer cannot file a complaint to the Consumer Disputes Board concerning injuries or damage when a housing corporation or a municipality's insurance company has refused compensation.

In addition to the Consumer Disputes Board, the Finnish Financial Ombudsman Bureau and within this the Insurance Complaints Board also handle insurance matters. The Insurance Complaints Board has broader competence in insurance matters than the Consumer Disputes Board. The Consumer Disputes Board does not handle insurance matters that are being considered or have already been considered by the Insurance Complaints Board.

 
Published 10.7.2013